BlastPoint's Banking Scorecard

Gateway Commercial Bank

$100M-$1B Specialty: Commercial AZ FDIC cert 58678

Mesa, AZ

2664 banks in the $100M-$1B peer group nationally 8 in AZ

Gateway Commercial Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 19.99% below tier average
+ ROA 0.21% above tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.25% below tier average
- Net Interest Margin 0.16% below tier average
- Delinquency Rate 0.38% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Total Assets ?	$246.6M +15.1% YoY +8.2% QoQ	-$139.4M	$386.1M +0.5% YoY	$17.7B +7.6% YoY	$6.2B +9.1% YoY	36%
Total Loans ?	$150.1M +10.9% YoY +1.9% QoQ	-$105.6M	$255.7M +1.1% YoY	$9.0B +5.4% YoY	$3.2B +10.8% YoY	36%
Total Deposits ?	$204.9M +11.8% YoY +6.5% QoQ	-$123.1M	$328.0M +0.1% YoY	$15.1B +6.7% YoY	$4.8B +8.2% YoY	35%
Return on Assets ?	1.48% +31.6% YoY +27.3% QoQ	+0.21%	1.27% +12.9% YoY	0.18% +147.8% YoY	1.23% +13.4% YoY	66%
Net Interest Margin ?	3.77% +8.4% YoY +2.6% QoQ	-0.16%	3.93% +6.0% YoY	3.92% +3.9% YoY	3.89% +5.7% YoY	45%
Efficiency Ratio ?	45.30% -14.6% YoY -9.7% QoQ	-19.99%	65.29% -4.5% YoY	84.95% -15.7% YoY	66.95% -4.1% YoY	Top 9.3% in tier
Delinquency Rate ?	1.27% -3.3% QoQ	+0.38%	0.89% +18.8% YoY	1.32% +84.0% YoY	0.95% +18.8% YoY	23%
Loan-to-Deposit Ratio ?	73.25% -0.9% YoY -4.3% QoQ	-3.38%	76.64% +0.8% YoY	80.55% -0.2% YoY	76.70% +0.9% YoY	61%
Non-Interest-Bearing Deposit Share ?	28.50% -12.6% YoY -5.6% QoQ	+6.49%	22.02% -1.0% YoY	23.51% -4.3% YoY	22.01% -1.2% YoY	78%
Nonperforming Asset Ratio ?	0.77% -8.9% QoQ	+0.13%	0.64% +19.7% YoY	0.94% +70.0% YoY	0.67% +19.3% YoY	27%
Tier 1 Capital Ratio ?	11.53% -11.3% YoY -5.0% QoQ	-4.30%	15.83% +1.5% YoY	14.90% -16.6% YoY	17.06% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.03% +5.3% YoY -73.6% QoQ	-0.25%	0.28% +9.3% YoY	0.12% +2.6% YoY	0.32% +4.1% YoY	Bottom 9.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

248

Efficiency Ratio

profitability

Value: 45.30%

Peer Median: 65.29%

#248 of 2664 Top 9.3% in $100M-$1B

586

Non-Interest-Bearing Deposit Share

funding

Value: 28.50%

Peer Median: 22.02%

#586 of 2664 Top 22.0% in $100M-$1B

Top Weaknesses (2 metrics)

2418

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2418 of 2664 Bottom 9.3% in $100M-$1B

2048

Delinquency Rate

credit_quality

Value: 1.27%

Peer Median: 0.89%

#2048 of 2654 Bottom 22.9% in $100M-$1B